United States

American FIRE calculators that use the actual rules

401(k) and IRA limits, employer matching, the Rule of 55, FICA and federal brackets for the 2026 tax year.

Calculators

Six tools, one american rule set

Each one shares the same projection engine, so the answers stay consistent as you move between them.

The full projection: earliest retirement age, the bridge years, and whether the money lasts.

When can I retire, and will it actually hold?

Find the point where you can stop contributing and let compounding finish the job.

Can I stop saving and still retire on time?

Model part-time income covering part of your spending while the portfolio keeps growing.

How much less do I need if I keep working part-time?

Independence on a deliberately small budget — and an honest test of whether it survives.

How early could I retire on a lean budget?

A no-compromise retirement, where contribution caps and tax become the binding constraint.

What does retiring early without cutting back really cost?

Thousands of simulated market paths to test whether your withdrawal rate survives.

What are the odds my money outlasts me?

Quick tools

The single most powerful number in FIRE: what your savings rate does to your timeline.

Your target portfolio at every plausible withdrawal rate, from cautious to aggressive.

Switch region

The same scenario, run under a different tax and retirement system.

Australia calculators